Originally Posted by
Mountain Trader
I think if I had 10 of those I would send letters within the 60 days denying responsibility for the DCC amount but accepting responsibility for the underlying charge in local currency.
Beyond strategy, what you're really saying is that FIA is not set-up to tackle this issue. That's too bad since I think bouncing the charges and costing the offending merchants and their cc clearing firms a lot of time and hassle might be the best way to beat this beast back.
Your encouragement has prompted me to call them again... and explain the entire concept of DCC to yet person in FIA billing disputes.
...anyway, I'm pleased to report that they did a bit more research for me this time, and there is a dispute avenue open to people in my shoes. So, I'm going to go ahead and send in my receipts.
In case anyone else ends up in the same boat, here's what the letter needs to communicate:
-currency choice was not offered
-list of transactions with reference numbers from statement
-amount billed in USD
-foreign currency amount
-USD equivalent of forex amount based on fx rate on transaction date (compute this by looking for non DCC transactions on same day)
-amount in dispute
And, here is FIA's address:
PO Box 16026
Wilmington, DE 19850
Phone: 800 558 4801